Published 17 March 2025 Homes for first-time buyers are the least affordable they have been for many years due to increased mortgage rates having a major impact on affordability. Rapid increases in house prices over the last few years coupled with slow wage growth have caused first-time buyers to require a larger than ever deposit. […]
The ‘smart’ way to own your first home. Read More »
Posted 27/11/2024 Applying for a mortgage can be a lot of work. There are documents to collect, a mortgage broker to talk to and decision to make on the recommended deal and term. For many people a mortgage will be the biggest loan they’ll ever get and the mortgage lenders want to know that the
Your credit score – what you should know. Read More »
08/11/2021 Mortgage Smart is pleased to be able to offer fee free* mortgage advice to NHS & Unite Union members. Unite is the largest trade union in the UK and Ireland with members across the private, public and voluntary sectors including manufacturing, public services, transport, food, finance and construction. So whether you are buying or
Mortgage Smart Teams up with NHS & Unite the Union Read More »
25/08/2021 Santander is reducing rates across its residential and buy-to-let mortgage ranges by up to 0.60% launching new sub-1% purchase and remortgage products. Available from tomorrow, new purchase products include two-year fixed rates at 0.89% up to 60% LTV and 1.04% up to 75% LTV, while new five-year fixes start at 0.99% up to 60%
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17/08/2021 NatWest has cut the rates in its purchase and remortgage range by up to 0.1 per cent and has removed selected green mortgage products from its range. The changes are effective from tomorrow and include a 0.05 per cent reduction to its five-year fixed rate purchase product at 60 per cent loan to value
NatWest cuts rates launching 0.99 per cent five-year deal Read More »
09/08/2021 Halifax launches lowest ever 2-year fixed rate Mortgage Introducer August 9, 2021 Share Tweet Share The Halifax has the lowest ever 2-year fixed rate to date at 0.83% up to 60% loan-to-value (LTV). In addition, the lender is also launching a 5-year fixed rate at 1.03% and a 10-year fix at 2.07%. Halifax is
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The Evening Standard Emma Lunn July 12, 2021 Contrary to popular belief, there’s no ‘special’ category for mortgages aimed at the self-employed. Freelancers, company directors and contractors can apply for the same mortgage products as everyone else. Where self-employed borrowers often come unstuck is proving their income. While employed borrowers can simply show lenders their
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04/06/2021 First time buyers will have the opportunity to purchase properties at a 30 per cent discount under a new Government scheme to get more people on the housing ladder. Robert Jenrick, the Housing Secretary, will on Friday launch a “first homes” initiative, which will be available to locals seeking to buy their first property,
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First Time Buyers – Improve your chances of being accepted for a mortgage.Mortgage demand is higher than ever thanks to the stamp duty holiday and the rise of 95% mortgages. This means it is more important than ever for home buyers to be ‘mortgage ready’. Here are some tips to put you in a better
First Time Buyers Improve your chances of being accepted for a mortgage. Read More »
Mortgage approvals fall more than expected in FebruaryUK mortgage approvals fell more than expected in February ahead of the original stamp duty holiday deadline, according to figures released today by the Bank of England. Mortgage approvals declined to 87,669 from 97,350 in January, versus expectations of a smaller drop to 95,000. Mortgage approvals were higher
Mortgage approvals fall more than expected in February. Read More »
